Discovery Questionnaire
Get To Know Each Other | Henceforward Wealth Management HENCEFORWARD a graviton partner Before we meet A few questions to make our first conversation worth your time We don’t need essays — just enough context to skip the small talk and get straight to what matters. It takes about three minutes. Start the questionnaire → […]
Life Annuities Explained: Guaranteed Income for Life (and When They Make Sense)
A life annuity provides guaranteed income for life. Learn how it works, the pros and cons, and when it makes sense in a South African retirement plan.
Granate Asset Management: A Quiet Force in Long-Term Investing
Discover how boutique manager Granate Asset Management combines disciplined risk management, a singular investment philosophy, and deep cultural alignment to protect and grow client wealth — proving that in long-term investing, conviction and patience still pay off.
🟡 Gold’s Second Renaissance: Why Central Banks Are Turning Their Backs on the Dollar
Gold is glittering again as central banks diversify and investors rush in — but with prices going parabolic, we explain why it’s not the time to chase the rally.
How Much Do You Really Need to Retire? A Practical Framework for South Africans (2026)
How much is enough for retirement in South Africa? We break down real numbers, income scenarios, and why compounding and strategy matter for building a sustainable retirement.
The Ultimate Guide to ETFs for South African Investors
Discover how ETFs can help South Africans build cost-effective, diversified portfolios with global reach.
Structured Notes in South Africa: The Ultimate Guide for Investors
Structured notes have quietly moved from niche products to mainstream tools in South African wealth management. They appeal to investors who don’t want to be fully exposed to market swings, yet find the low returns of bonds or cash uninspiring. In many ways, they offer a middle ground: a blend of capital protection, enhanced yield, and tailored market exposure.
Can a South African Trust Invest or Distribute Offshore? (2025 Update)
SA trusts can’t invest offshore via allowances, but may distribute cash to a named offshore trust – subject to SARS/SARB approval and 2024 tax changes.
Preference Shares Under Pressure: What the 2025 Draft Tax Changes Mean for Investors
For decades, preference shares have been used by companies, families, and investors as a bridge between debt and equity, offering steady income streams while enjoying favourable tax treatment. With the proposed amendments, however, much of the appeal of preference shares could disappear.
Inside SA’s Standout Balanced Fund (as at Septemeber 2025): A Conversation with Long Beach’s David Hansford
A candid interview with Long Beach’s David Hansford on running a top SA balanced fund—near Reg 28 limits, quality growth picks, and letting winners run.
The Art of Execution: What South African Investors Can Learn from Winning (and Losing) Behaviours
In investing, it’s not what you buy—it’s how you behave once you’ve bought it. That’s the central lesson of The Art of Execution by Lee Freeman-Shor, a book that shows why even top fund managers often underperform despite brilliant ideas. The difference lies in execution: cutting losers quickly, letting winners run, and resisting the behavioural traps that derail most investors
Sitting on Cash in the UK? South Africans, Here’s What You Need to Know
For many South African investors, the journey to offshore diversification begins with prudence – convert rands to pounds or dollars and park the money safely in a UK or US bank account. It’s understandable. Cash feels secure. It preserves foreign currency exposure and is easy to access. But is it efficient?